Contact us for a Free Quote today
Contact us for a Free Quote today
Murfreesboro and Rutherford County sit in one of the most active severe weather corridors in the country. Hail, high winds, and violent thunderstorms are not rare events here — they are a regular part of spring and fall in Middle Tennessee. If you have just been through a major storm and you are not sure whether your roof was damaged, this guide walks you through exactly what to do.
This is the most important thing we tell Murfreesboro homeowners after every major storm. Roof damage from hail and high winds is almost always invisible from the ground. Lifted shingles, cracked shingle mats, torn flashing, and dented gutters do not look like much from your driveway. But left unaddressed, they allow water to penetrate your roof system during the next rain event — and the damage that follows is far more expensive than the original storm damage would have been to repair.
Before calling anyone, do a quick ground-level assessment:
Gutters: Look for granules — small dark sand-like particles collecting in your gutters or on the ground beneath your downspouts. Granule loss after a storm is one of the clearest signs of hail damage to asphalt shingles.
Gutter condition: Are your gutters dented, bent, or pulling away from the fascia? Gutters dent at roughly the same energy threshold as shingles crack. Dented gutters after a hail event almost always mean shingle damage as well.
Ridge cap: Look at the very top line of your roof. Missing or displaced ridge cap after a wind event is a serious vulnerability — it is the highest point of exposure on your entire roof system.
Soffit and fascia: Check the underside of your roof overhang. Damaged or lifted soffit panels after a wind event can allow water and wildlife into your attic.
Downspouts: Look at the ground around your downspouts for granule accumulation. A significant amount of granules after a storm means your shingles took a hit.
This is advice most homeowners do not hear — but it matters enormously for your claim. Before your insurance adjuster sets foot on your roof, you want your own contractor to have already inspected it and documented what they found. An insurance adjuster works for the insurance company. A roofing contractor you trust works for you.
At Roof Troops Roofing, we conduct free post-storm inspections across Murfreesboro and Rutherford County. We photograph every finding, provide you with a full inspection report, and walk you through exactly what was damaged and what your claim should cover. That documentation puts you in the strongest possible position when your adjuster arrives.
Most Tennessee homeowner insurance policies have a one-year window from the storm date to file a claim. Do not use that year. The strongest claims are filed early — before secondary water damage develops, before the next storm adds new damage on top of the old, and while the storm event is still fresh and well-documented by National Weather Service records.
When you call your insurance company, have the storm date ready. If you are not sure of the exact date, you can verify severe weather events in Rutherford County through NWS Nashville storm reports.
Most standard homeowner insurance policies in Tennessee cover storm damage caused by hail, wind, and lightning. They typically do not cover damage caused by age, wear, or lack of maintenance. This distinction matters — and it is one reason getting a professional inspection and documentation before your adjuster arrives is so important. We help Murfreesboro homeowners understand what their policy covers and make sure the documentation supports the strongest possible claim.
Middle Tennessee’s storm season does not pause. If your roof was damaged in one event, every subsequent storm is hitting a compromised system. Once your claim is approved, prioritize getting the work scheduled. At Roof Troops Roofing we work directly with your insurance company through the entire process — from the initial inspection report through the final repair or replacement.
Roof Troops Roofing is veteran-owned and operated, based right here in Murfreesboro. We serve all of Rutherford County and surrounding Middle Tennessee communities. Our post-storm inspections are completely free — no obligation, no pressure, and we will tell you the truth about what we find even if that means telling you your roof is fine and you do not need us yet.
Call 615-258-9977 or visit rooftroopstn.com to schedule your free inspection today.
Protect the Home. Earn the Trust. 🫡
